1. Start planning early: Maximize your contributions to Social Security as soon as possible.

 
2. Understand your eligibility: Make sure you understand your eligibility requirements and when you can begin collecting benefits. 

3. Consider other retirement options: Social Security is just one part of your retirement. Research other sources of income, such as investments and annuities. 

4. Delay claiming benefits: Consider delaying your claim to get the most from your Social Security. 
 

5. Consider spousal benefits: If you are married, consider any potential spousal benefits you may be eligible for. 

6. Take advantage of tax credits: You may be eligible for tax credits to help offset the cost of Social Security payments.